Comprehensive Medical Aid Plan – 2023 Comparisons
Comprehensive Medical Aid Plan: Offers unlimited hospital cover and comprehensive list of benefits. In new generation plans, initial claims will be funded from a medical savings account. Thereafter, when all accumulated day-to-day claims reach a specified threshold, another risk benefit kicks in and continues to pay claims until the end of the year.
Traditional options have generous amounts of day-to-day cover for all the different medical providers except for GP’s consultations and conservative dentistry where cover is generally unlimited, and no benefits carry forward to the next year.
View our latest 2023 plan updates below.
3 Comprehensive Plans Compared2023 Comparisons Made Easy!
Table Of ContentsComprehensive Hospital Plans
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Discovery
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC COMPREHENSIVE |
|||
| Contributions/Savings/Annual Threshold | |||
| Monthly Contributions | Savings | Annual Threshold | |
| Main Member | R8 381 | R25 104 | R28 810 |
| Spouse/Adult dependent | R7 927 | R23 748 | R28 810 |
| Child (Max 3) | R1 671 | R5 004 P/Child | R5 500 |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R500 000 thereafter 20% co-payment. | |||
| Extended Oncology ahd Innovation Oncology benefit. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| 27 chronic disease conditions, 22 additional disease conditions. | |||
| Specialised medicine and technology benefit: R200 000 pp per annum. | |||
| Acute medication from day to day, therafter from above threshold benefit: Limits apply. | --- | --- | --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
CLASSIC COMPREHENSIVE |
|||
| Contributions/Savings/Annual Threshold | |||
| Monthly Contributions * | Savings ** | Annual Threshold *** | |
| Main Member | R8 381 * | R25 104 ** | R28 810 *** |
| Spouse/Adult dependent | R7 927 * | R23 748 ** | R28 810 *** |
| Child (Max 3) | R1 671 * | R5 004 P/Child ** | R5 500 *** |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Specialists who have an arrangement with Discovery covered in full. | |||
| Oncology: R500 000 thereafter 20% co-payment. | |||
| Extended Oncology ahd Innovation Oncology benefit. | |||
| MRI/CT scans: unlimited if part of hospital procedure. | |||
| MRI/CT scans: Out of hospital: R3670 from savings, balance hospital benefit: certain limitations. | |||
| 27 chronic disease conditions, 22 additional disease conditions. | |||
| Specialised medicine and technology benefit: R200 000 pp per annum. | |||
| Acute medication from day to day, therafter from above threshold benefit: Limits apply. | --- | --- | --- |
Momentum
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R6 009 | R17 676 | |
| Spouse/Adult dependent | R4 557 | R13 404 | |
| Child (Max 3) | R1 767 | R5 199 | Per child |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Associated hospitals to be used. | |||
| Co-payments for certain procedures. | |||
| Oncology R500 000 thereafter 20% co-payment. | |||
| 27 Chronic diseases:State only, medication subject to formulary. | |||
| MRI/CT scans: No limit in and out of hospital, R2630 co-payment per scan and pre-authorisation. | |||
| --- | |||
| --- | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
EXTENDER OPTION: ASSOCIATED HOSPITALS AND STATE FOR CHRONIC |
|||
| Contributions/Savings | |||
| Monthly Contributions * | Savings ** | ||
| Main Member | R6 009 * | R17 676 ** | |
| Spouse/Adult dependent | R4 557 * | R13 404 ** | |
| Child (Max 3) | R1 767 * | R5 199 ** | Per child |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Associated hospitals to be used. | |||
| Co-payments for certain procedures. | |||
| Oncology R500 000 thereafter 20% co-payment. | |||
| 27 Chronic diseases:State only, medication subject to formulary. | |||
| MRI/CT scans: No limit in and out of hospital, R2630 co-payment per scan and pre-authorisation. | |||
| --- | |||
| --- | |||
| --- |
Momentum
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC |
|||
| Contributions/Savings | |||
| Monthly Contributions | Savings | ||
| Main Member | R6 589 | R19 764 | |
| Spouse/Adult dependent | R4 997 | R14 988 | |
| Child (Max 3) | R1 937 | R5 808 | Per child |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Associated hospitals to be used. | |||
| Co-payments for certain procedures. | |||
| Oncology R500 000 thereafter 20% co-payment. | |||
| 27 Chronic diseases: medication subject to formulary. 36 additional: Limit R12 400 per family. | |||
| MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation. | |||
| --- | |||
| --- | |||
| --- |
| Column 1 | Column 2 | Column 3 | Column 4 |
|---|---|---|---|
EXTENDER OPTION: ASSOCIATED HOSPITALS AND ANY FOR CHRONIC |
|||
| Contributions/Savings | |||
| Monthly Contributions * | Savings ** | ||
| Main Member | R6 589 * | R19 764 ** | |
| Spouse/Adult dependent | R4 997 * | R14 988 ** | |
| Child (Max 3) | R1 937 * | R5 808 ** | Per child |
| Benefits | |||
| 200% scheme rate in-hospital. | |||
| Associated hospitals to be used. | |||
| Co-payments for certain procedures. | |||
| Oncology R500 000 thereafter 20% co-payment. | |||
| 27 Chronic diseases: medication subject to formulary. 36 additional: Limit R12 400 per family. | |||
| MRI/CT scans: No limit in and out of hospital, R2770 co-payment per scan and pre-authorisation. | |||
| --- | |||
| --- | |||
| --- |
Comprehensive Medical Aid Updates
As additional Comprehensive Medical Aid Plan comparisons are made available, we will continue to update this page. In our effort to provide our clients with the most up-to-date information and advice on the medical aid industry in South Africa.
If you are still deciding which plan type is best suited to your situation, why not take a look at the Medical Aid Plans page to see the full range of plans.
Comprehensive Plan Information
For more detailed information on any of the above Comprehensive Medical Aid Plan comparisons, simply contact us. If you need help applying, why not make use of our Medical Aid Application Form Help Page, and one of our consultants will contact you to assist.
Alternatively, if you would like us to confirm some finer details and pricing, just fill in our free Medical Aid Quote Request form, and we will get back to you promptly.
Get In Touch
Finally, we invite you to contact us on +27 21 712 8866 at any point in your decision-making process for further information on these Comprehensive Medical Aid Plan comparisons.
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